All Posts By Spectrum Insurance Group

Gifting life insurance proceeds is a terrific way to benefit your favorite charity when you pass away. Not to mention the fact that you may even lower your income tax and reduce the bite estate taxes take with a little planning. Unfortunately, a lot of people don’t strategize when they donate money to a cause,…

Life insurance can be complicated, with so many words thrown about like “Riders” and “term” and “variable”. If you have a family there are even more things with which to concern yourself, like coverage for kids and a spouse. Thankfully, once you understand the basics, it becomes much easier to decide on a family life…

There are many different types of kidney disease. With this pervasive and sometimes life-threatening illness group, it can be difficult to find life insurance for dialysis patients. But defining the illness type and its prognosis will let the agent know what is insurable and what is not an insurable kidney problem. A surgery, like donating…

Below you will find a complete review of Cincinnati Life Insurance Company. You’ll learn about Cincinnati Life’s: Company history. Types of life insurance policies they offer. Underwriting requirements & classes. Sample quotes for term life insurance. About Cincinnati Life Insurance Company The Cincinnati life insurance company has been listed among the top US life insurance…

Want to know if you can qualify for life insurance without a medical exam? What about if you’ve had cancer? Maybe you have pre-existing medical conditions. If any of these are your concerns, there are life products designed for you. They are commonly known as no medical exam life insurance policies, and the official term…

Life insurance is an incredibly valuable financial asset that can help provide you and your loved ones with the financial protection you deserve. If you have one or multiple individuals who are currently dependent on your income for their well-being, then purchasing a quality life insurance policy is especially important. This article will briefly examine…

Most families, especially with children, rely on multiple incomes to handle modern expenses that come with raising kids. However, recent reports state 7 out of 10 American households still do not have enough available funds to cover the cost if one of those primary wage earners were to pass away. Yet many of these American…

If you or a business partner pass away, it could be devastating for your employees who depend on you and the company you worked so hard to build. When you enter into a business partnership, it is important to stay protected and you can do this in a variety of ways. Below, you’ll learn about…

People need life insurance over 50 for many reasons. Even after the age of 65, life insurance might still be necessary to offset medical expenses, long term care, a mortgage, business loan, or supplement a retirement plan proving insufficient. Quick NavigationWhy Get Life Insurance Over 50 Years Old?What is the Best Type of Life Insurance…

Are you looking for the best life insurance for diabetics? In this guide, we’ll show you the top 3 life insurance companies for people with diabetes, sample rates, and what you can do to reduce your cost of life insurance as a diabetic. Whether you need burial insurance, term life insurance or whole life insurance…